Nabeel Bin Muhammed: Redefining Financial Wellness Through Innovation

Nabeel Bin Muhammed: Redefining Financial Wellness Through Innovation

Nabeel Bin Muhammed, an entrepreneur born in India, raised in the Middle East, and now shaping the financial technology landscape in the UK, is on a mission to drive financial wellness. At the core of his work lies a deep commitment to tackling the pressing issue of financial insecurity—where millions of UK households struggle to build savings or maintain financial stability. With innovative thinking and a determination to create lasting impact, Nabeel is reshaping how individuals and businesses approach financial health.

The Urgent Need for Financial Wellness

In the UK, a large proportion of adults face financial vulnerability, with little to no savings to buffer unexpected challenges. Recognizing this, Nabeel has focused his entrepreneurial journey on empowering people to take control of their finances. His mission: to make financial wellness accessible, practical, and sustainable.

Nabeel’s career journey began as a KYC Analyst at HSBC in India, where he gained expertise in problem-solving and compliance. He went on to co-found tech startups like Quzyn and Appsys, with Quzyn earning a nomination for the prestigious India 500 Startup Awards 2020. These early experiences shaped his understanding of technology-driven solutions and laid the foundation for his vision.

When Nabeel moved to the UK in 2021 to pursue an MBA at the University of Essex—where he graduated with first-class honors and received the esteemed Dean’s Excellence Award Scholarship—he encountered the financial challenges faced by UK households and SMEs. This exposure inspired him to develop innovative solutions to address these systemic issues.

From Vision to Action: Building Solutions that Drive Change

Nabeel honed his leadership and operational expertise as Deputy Operations Manager at Amazon UK, where he spearheaded change initiatives, delivering a 30% boost in productivity and enhancing customer satisfaction. His success managing large-scale, multimillion-pound projects solidified his ability to transform ambitious ideas into tangible results.

These experiences culminated in the development of Fluck, a fintech super app launching in 2025, designed to revolutionize financial wellness. With its innovative use of AI, open banking, and data-driven insights, Fluck aims to transform how individuals and businesses manage their money.

Fluck: A Game-Changer for Financial Health

Empowering Individuals to Save Smarter

Fluck tackles the root causes of poor saving habits by leveraging AI-powered tools to help users:

  • Automate Savings: Analyze spending patterns and automate small, frequent transfers to savings accounts.
  • Set Financial Milestones: Create and track progress toward financial goals, whether for emergencies or big life events.
  • Earn Rewards: Encourage savings with cashback incentives and loyalty rewards.

“Saving isn’t about willpower alone—it’s about building systems that make it intuitive and rewarding,” Nabeel explains. “Fluck helps people turn saving into a seamless habit.”

Enabling SMEs to Thrive

For small businesses, Fluck offers a suite of tools to enhance cash flow and efficiency:

  • Customer Insights: Understand spending patterns to craft personalized offers and improve loyalty.
  • Lower Transaction Fees: Leverage open banking for cost-effective payment processing.
  • Target Local Audiences: Use geolocation and data-driven marketing to connect with nearby customers.

“Fluck isn’t just an app—it’s an ecosystem where individuals and businesses grow together,” says Nabeel. “By fostering transparency and trust, we’re building financial systems that work for everyone.”

Extending Impact: Bridging the Skills Gap with Vazgro

Beyond financial wellness, Nabeel is addressing another critical challenge: the growing skills gap in the UK job market. His co-founded venture, Vazgro, uses AI to:

  • Assess job seekers’ skill gaps.
  • Recommend tailored training programs.
  • Connect users with career opportunities aligned to their goals.

This dual focus on financial and professional empowerment underscores Nabeel’s holistic approach to solving systemic challenges.

Championing Innovation and Mentorship

Nabeel’s impact extends beyond his ventures. A thought leader in AI, product innovation, and digital transformation, he has shared insights at prestigious platforms like the White Label World Expo and served as a judge for innovation awards. Through his work with MentorTogether, he actively supports aspiring entrepreneurs, offering guidance on ideation, product development, and scaling businesses.

“Mentorship isn’t just about advice—it’s about equipping others to create their own success stories,” Nabeel emphasizes.

A Vision for Lasting Impact

At the heart of Nabeel’s work is a belief that technology should solve real-world problems. From helping individuals build financial resilience to empowering businesses and professionals, his mission is rooted in delivering meaningful change.

“The challenges around financial wellness and employability are significant, but they’re solvable,” Nabeel concludes. “With the right tools, technology, and mindset, we can turn financial insecurity into financial empowerment.”

As he prepares to launch Fluck and expand Vazgro, Nabeel Bin Muhammed’s journey is a testament to the power of purpose-driven innovation. His vision promises a brighter, more secure future for individuals, businesses, and communities alike.

VIHTRIBEZ: The Fusion of Creativity and Commercial Success

VIHTRIBEZ: The Fusion of Creativity and Commercial Success

Finding the balance between creativity and commercial success can be elusive in a world where content is king. Enter VIHTRIBEZ, a community founded by two dynamic individuals, Mithyll Dave and P. Swarnalata, who have combined their years of experience and passion to create a unique space for creators and entrepreneurs.

VIHTRIBEZ isn’t just another business or creative community; it’s a thriving ecosystem where storytelling and content creation are elevated into a powerful tool for brand building and revenue generation. What sets VIHTRIBEZ apart is how it marries the art of creativity with the science of commercial viability, creating a harmonious balance between the two.

The Visionaries Behind VIHTRIBEZ

Mithyll Dave, a seasoned content strategist, podcast wizard, and solopreneur coach, has been helping creators and entrepreneurs find their voice and monetize their passions. His partner in this journey, P. Swarnalata, is an accomplished writer, author, and the founder of Dastan Media. This storytelling hub helps businesses and professionals build their brand stories through different storytelling formats. Together, they have formed VIHTRIBEZ, a community that caters to creators who want to tell their stories and achieve sustainable success.

“VIHTRIBEZ was born out of our passion for creating content and our experience of generating revenue and brand value through content,” shares Mithyll. His expertise in content marketing and solopreneur coaching allows him to guide community members in producing content that isn’t just engaging but also profitable. Mithyll’s skill set goes beyond content creation—he provides a roadmap for those looking to turn their ideas into a business.

Swarnalata, on the other hand, believes that “we are all unique stories in motion that are waiting to be told.” As a storyteller, she brings a distinctive narrative flair to the community, ensuring that every member’s personal and professional stories resonate with their audience. “What we do at VIHTRIBEZ is help our community members find that voice, personal or professional,” she explains. Her ability to weave storytelling techniques into content creation makes her the perfect counterpart to Mithyll’s more commercial approach.

Creativity Meets Commercial Strategy

What makes VIHTRIBEZ truly unique is the complementary expertise of its founders. If Mithyll is the architect of content strategy and monetization, Swarnalata is the storyteller who adds heart and depth to the narrative. Together, they form the two sides of the content marketing coin, each adding immense value to the other.

Balancing creativity with commercial goals is essential for businesses and individuals looking to scale their brand. “People often see storytelling as a purely creative endeavour, but it’s so much more than that. It’s a business tool, and we help our members understand how to harness it for real-world success,” says Swarnalata. Mithyll echoes this sentiment, adding, “Great content isn’t enough. It needs to be packaged and marketed to generate revenue, and that’s what we teach at VIHTRIBEZ.”

Building a Thriving Community

At its core, VIHTRIBEZ is more than just a platform for creators—it’s a community. Mithyll and Swarnalata are committed to fostering an environment where members support each other, collaborate, and grow together. Whether someone is just starting out or already has a foothold in the industry, the community offers resources, mentorship, and a network that makes the content creation journey smoother and more rewarding.

The founders are already hard at work building this community into a thriving hub full of storytellers, content creators, and entrepreneurs. With their combined expertise and shared vision, VIHTRIBEZ aims to become the go-to space for anyone looking to grow both creatively and commercially.

The Future of VIHTRIBEZ

As VIHTRIBEZ continues to grow, the possibilities seem endless. Mithyll and Swarnalata have big plans for the community’s future, with more workshops, events, and mentorship opportunities on the horizon. Their goal is simple: to build a space where creators can tell their stories, grow their brands, and achieve financial success—without sacrificing creativity.

In a world where content is increasingly commodified, VIHTRIBEZ offers a refreshing take on the business of storytelling.

The duo invites creators, entrepreneurs, and storytellers to join them on this journey and become a part of the ever-evolving VIHTRIBEZ, where creativity and commercial success walk hand in hand.

Bengal’s Flag Bearer at World Economic Forum in Davos, Meghdut Roy Chowdhury represents India in the Global Arena

Bengal’s Flag Bearer at World Economic Forum in Davos, Meghdut Roy Chowdhury represents India in the Global Arena

The recent World Economic Forum in Davos, Switzerland, witnessed a dynamic display of India’s economic prowess and entrepreneurial spirit. Mr. Meghdut Roy Chowdhury, Chief Innovation Officer and Executive Director at Techno India Group, one of the largest educational conglomerates in India, played a key role in showcasing India’s potential on the world stage.

A Davos veteran, Mr. Meghdut Roy Chowdhury described the forum as a place of inspiration, networking, and agenda-setting for the year ahead. He helped curate talks at the India Engagement Center, India’s official pavilion, highlighting the nation’s emergence as a significant global economic and innovation hub.

India was consistently presented in a positive light, frequently described as an up-and-coming superpower with references to the “decade of India.” Mr. Meghdut Roy Chowdhury’s curated sessions, titled “New Age India” at the India Engagement Center with Yashraj Akashi, brought the concept of “New Age India” to life, showcasing the country’s diverse talent and entrepreneurial drive.

Esteemed speakers included Shri. Balamurugan D., Joint Secretary at the Department for Promotion of Industry and Internal Trade (DPIIT); Raju Narisetti, Leader, Global Publishing at McKinsey & Company; Nishith Desai, Founder of Nishith Desai Associates; Edith Nordmann, Member of the Task Force on Future of Work, Skilling, and Mobility under B-20 India; and Bharat Kaushal, Managing Director of Hitachi India. In addition, “Taking India’s New Age Entrepreneurship to The World” featured distinguished speakers like Shri. Rajesh Kumar Singh, DPIIT Secretary, Govt of India; Vaishali Sinha, Co-Founder of Renew Power Foundation; Yat Siu, Founder of Animoca Brands (Metaverse & Blockchain Technologies); Zubaida Bai, CEO of Grameen Foundation; and Chetan Baregar, Co-Founder of Recykal.

“The Global Indian: Catalysts of Global Change” took center stage at the 54th Annual Meeting of the World Economic Forum in Davos-Klosters on January 17, 2024. Organized to explore the influential role of Indian leaders in shaping global paradigms, the discussion featured a distinguished lineup of speakers including Pavan Sukhdev, CEO of GIST Impact; Asha Jadeja, Chairman of Motwani Jadeja Foundation; Puneet Renjhen, Board Member of Mahindra Group; Raju Narisetti from McKinsey (New Age Industry Catalyst); Shuchin Bajaj, Founder Director of Ujala Cygnus; and Tapan Singhel, MD & CEO of Bajaj Allianz General Insurance.

Collaboration was a central theme, with Mr. Meghdut RoyChowdhury championing partnerships as drivers of growth and innovation. The partnership between the PhD Chamber of Commerce, edge entrepreneurs, and Invest India highlighted this focus and presented India’s new age energy and potential to the world.

Significantly, the discussions at the World Economic Forum also highlighted the growing influence of Artificial Intelligence (AI) in shaping the global economic landscape. With India at the forefront of this revolution, Mr. Meghdut RoyChowdhury emphasized the critical role AI plays in enhancing business operations, governance, and societal welfare. He pointed out successful AI initiatives in India that are setting benchmarks in healthcare, agriculture, and smart cities, showcasing how technology can be harnessed to solve real-world problems efficiently. The forum served as an excellent platform to demonstrate how Indian innovations in AI are not only technologically advanced but also socially inclusive, further reinforcing India’s position as a global hub for cutting-edge technology and innovation.

Looking ahead, Mr. Meghdut RoyChowdhury wants to see increased representation from West Bengal at Davos, like the strong presence of other Indian states promoting their achievements. He believes that a larger, more focused effort will further amplify New Age India’s dynamism and optimism on global platforms.

Mr. Meghdut Roy Chowdhury concludes that India’s success at Davos depends on collaborative efforts and a unified commitment to advancing the nation’s interests on the international stage.

https://www.meghdutroychowdhury.com

Sudhir Windlass’s Success Story: From Humble Beginnings to Business Tycoon

Sudhir Windlass’s Success Story: From Humble Beginnings to Business Tycoon

In the annals of entrepreneurial success stories, few are as inspiring and remarkable as that of Sudhir Windlass. From modest beginnings, Sudhir has risen to become a prominent figure in the business world, renowned for his vision, determination, and unwavering commitment to excellence. His journey from humble origins to the pinnacle of success is a testament to the power of perseverance, innovation, and sheer hard work.

Early Life and Education

Sudhir Windlass was born into a middle-class family in a small town in northern India. Growing up, he was instilled with the values of hard work, integrity, and resilience by his parents, who ran a small business of their own. Despite facing financial constraints, Sudhir displayed a keen intellect and a natural aptitude for business from a young age.

After completing his schooling, Sudhir pursued BALLB and completed his bachelor’s in law. While studying he assisted his father in their small factory which inspired Sudhir to take the small workshop to a worldwide name.

The Journey Begins

Armed with ambition and a hunger for success, Sudhir kept working hard and increased efficiency in his manufacturing unit. Despite facing numerous challenges and setbacks in the initial stages, Sudhir remained undeterred, drawing inspiration from his upbringing and the lessons imparted by his parents.

Through hard work, perseverance, and a relentless focus on quality, Sudhir’s business began to gain traction. His keen business acumen and ability to spot emerging trends allowed him to stay ahead of the curve and capitalize on new opportunities. With each success, Sudhir reinvested his profits into expanding his business, gradually building a reputation for excellence and reliability in the industry.

The Rise of Windlass Industries

As Sudhir’s business continued to grow, he diversified into new sectors, expanding his footprint across different industries. In the early 2000s, Sudhir founded Windlass Group, a conglomerate with interests in manufacturing, real estate, infrastructure, and technology. Under his visionary leadership, Windlass Industries quickly emerged as a leading player in the market, known for its innovative solutions and customer-centric approach.

One of the key factors behind Windlass Group’s success was Sudhir’s unwavering commitment to quality and innovation. He invested heavily in research and development, fostering a culture of creativity and experimentation within the organization. This relentless pursuit of excellence enabled Windlass Industries to develop cutting-edge products and solutions that set new benchmarks in the industry.

Building a Legacy

Over the years, Sudhir Windlass’s leadership and vision have propelled Windlass Group to new heights of success. Today, the company stands as a testament to Sudhir’s entrepreneurial spirit and his ability to turn challenges into opportunities. With a diverse portfolio of businesses and a global presence, Windlass Industries continues to thrive, driven by Sudhir’s relentless pursuit of excellence and his unwavering commitment to innovation.

Beyond his business endeavors, Sudhir Windlass is also known for his philanthropic efforts and his commitment to giving back to society. He has been actively involved in various charitable initiatives aimed at promoting education, healthcare, and social welfare. Sudhir firmly believes in the importance of using his success to make a positive impact on the lives of others, and his philanthropic work reflects his dedication to creating a better world for future generations.

Looking Ahead

As Sudhir Windlass reflects on his journey from humble beginnings to business tycoon, he remains grateful for the opportunities that life has afforded him. He attributes his success to a combination of hard work, determination, and a never-say-die attitude, and he hopes to inspire others to pursue their dreams with the same passion and tenacity.

As he looks ahead to the future, Sudhir remains committed to pushing the boundaries of innovation and driving positive change in the world. He is excited about the opportunities that lie ahead and is confident that Windlass Industries will continue to lead the way in shaping the industries of tomorrow. With Sudhir Windlass at the helm, the future is indeed bright, and his journey from humble beginnings to business tycoon serves as a powerful reminder that with dedication and perseverance, anything is possible.

Hearth Ventures launches India’s First Venture Fund for Creative, Cultural and Circular Economy Enterprises

Hearth Ventures launches India’s First Venture Fund for Creative, Cultural and Circular Economy Enterprises

The fund invests in new age entrepreneurs leveraging India’s artisanal diversity for global markets, revitalising rural off-farm livelihoods and regenerative consumption

13 July 2023, New Delhi: Hearth Ventures, announces the launch of India’s ground-breaking venture capital fund exclusively designed to empower and uplift the country’s creative and cultural sectors. This unique fund aims to provide strategic investments and comprehensive support to small and medium-sized for-profit enterprises operating within these domains, with a specific focus on growing off-farm livelihoods in rural India. Building upon its recent registration as a Category I AIF (Alternative Investment Fund) by the Securities and Exchange Board of India (SEBI), Hearth Ventures plans to deploy an estimated INR 250-350 crore over the next 3-5 years. The fund seeks to collaborate with up to 25 ventures with exceptional founders, product-market fit, positive unit economics, leveraging technology and a roadmap   for growth and innovation in these vibrant sectors.

Backed by Vipul Jain, Technology entrepreneur, the fund has the support of early investors William Bissell – Managing Director of Fab India, and Mr Yogesh Chaudhary – Director at Jaipur Rugs. Hearth Ventures is founded by Vinayak Kamath, Shefali Chhachhi and Vipul Jain bringing together a collective experience of ten decades in entrepreneurship, investment, and corporate leadership. The team aims to achieve its first close of Rs 100 crores by the end of 2023.

“We see a $120 billion domestic market and a $1.5 trillion global market for the creative and cultural sector with many tailwinds. This sector not only presents a significant economic opportunity, but also impacts several SDG’s. Our research, investments made to date and the deal pipeline validates our thesis that there are many great entrepreneurs in the sector who can build profitable and fast-growing businesses. This sector remains critically underserved for growth capital and we hope to change that and pave the way for building a vibrant start-up ecosystem” said Vipul Jain, Founding Partner, Hearth Ventures.

Commenting on his support to this new venture fund, William Bissel, Managing Director of Fab India said Hearth’s mission to invest in and support cultural and creative industries gain access to markets and scale is a vital one. Hearth is unique among investors in their vision, the experience of their leadership team and their demonstrated commitment to funding businesses that demonstrate India’s “soft power” and bring it to global markets.

Echoing these sentiments Mr Yogesh Chaudhary, Director at Jaipur Rugs added “Jaipur Rugs today serves customers across the world while working with over 40,000 artisans, mostly women across India. We are delighted to support Hearth’s vision of creating many more of such enterprises and reimagining the sector.”

The fund will invest at Pre-series A and Series A stages, after comprehensive due diligence by reputable agencies, with affirmative board rights. With a focus on portfolio companies achieving double-digit revenue growth and efficient capital utilization, the fund aims to outperform the median of other venture funds. Hearth Ventures will invest in fashion, crafts, design & décor, sustainable apparel & accessories, art jewellery & consumer facing regenerative businesses such as recyclable packaging, and related sectors, which represent a $350bn domestic market opportunity by 2030.They tap into the growing interest in India’s creative economy, aiming to generate over ten million jobs in the next decade by providing early-stage capital and support to mission-driven creative ventures.

About Hearth Ventures:

Hearth Ventures is India’s first venture fund specifically focused on supporting Creative, Cultural and Circular Economy Enterprises. Established in 2021, Hearth Ventures has invested in Indian handmade crafts, design, and circular economy ventures from its proprietary capital pool. Their current portfolio includes Shobitam Inc, Kadam Haat Basketry Barn, Design Trade Services USA and Relove. Through strategic investments and comprehensive support, Hearth Ventures seeks to propel sustainable development and contribute to the achievement of the Global Sustainable Development Goals in India.

For Media Queries:

Email: Shefali@hearth.ventures

Mobile: +91 9811353126

DWN CREATE ANNOUNCES PUBLICATION OF INNOVATIVE NEW BOOK ON ENTREPRENEURSHIP

DWN CREATE ANNOUNCES PUBLICATION OF INNOVATIVE NEW BOOK ON ENTREPRENEURSHIP

“AI-Enhanced Jugaad Entrepreneurship: Pioneering Success in Rural India with Innovative Mindsets and Accessible Technology” Now Available on Amazon

May 16, 2023 – DWN Create, a pioneering hybrid publishing company, is proud to announce the release of “AI-Enhanced Jugaad Entrepreneurship: Pioneering Success in Rural India with Innovative Mindsets and Accessible Technology” by Avery Ingram.

Avery Ingram, an esteemed entrepreneur, and speaker, unlocks the door to rural Indian entrepreneurship in this groundbreaking book. With a steadfast belief in resilience and community building, Ingram deftly combines the innovative principles of jugaad with artificial intelligence, aiming to foster a sustainable future for rural communities worldwide.

This book delves into the heart of rural Indian entrepreneurship, addressing unique challenges and offering practical strategies for success. It aims to empower readers to master the jugaad mindset and learn to use accessible AI technology to overcome resource scarcity, navigate complex markets, maximize efficiency, and streamline business processes.

With real-world examples and practical insights, Ingram explores how modern AI systems such as ChatGPT can serve as a virtual mentor to entrepreneurs, providing guidance on various aspects of rural entrepreneurship. From identifying market gaps and emerging trends to offering advice on effective team management and regulatory hurdles, AI can play a pivotal role in the success of entrepreneurial ventures.

This book stands as an invitation to aspiring rural entrepreneurs in India and around the world to embrace the spirit of frugality and innovation in entrepreneurship, and to unlock their potential to drive sustainable growth and empower their communities.

“AI-Enhanced Jugaad Entrepreneurship: Pioneering Success in Rural India with Innovative Mindsets and Accessible Technology” is available for purchase on Amazon at https://www.amazon.in/dp/B0C4RDTP7K

About DWN Create:

DWN Create is a hybrid publisher dedicated to sharing diverse voices and ideas.

About Avery Ingram:

Avery Ingram is a determined entrepreneur and speaker dedicated to empowering individuals globally to unlock their entrepreneurial potential. He believes in the power of resilience and community building, and through his latest book, he aims to merge rural Indian entrepreneurship principles with AI to encourage a sustainable future.

Press Contact: Daniel Williams

DWN Create

daniel@dwnpub.com

www.dwnpub.com